on this site.
You must report the claim within ninety (90) days of the loss.
at P.O. Box 7690, St. Clair Shores, MI 48080
and be postmarked within one-hundred and eighty (180) days of loss.
Under Federal law, a consumer can be held liable for up to $50 in unauthorized charges on each credit card. For debit cards, a consumer can be held liable
up to $500 on each debit card or, in limited circumstances, up to the full amount in your account(s). For debit and cash machine cards, consumer's liability
for fraudulent use of the card is up to $50 if a consumer notifies the card issuer of card loss within 2 days. After that, consumer's liability is up to
$500. Or, if a consumer does not notify the card issuer within 60 days of receipt of a monthly statement showing unauthorized charges, then the consumer's
liability is up to $50 and the total amount of unauthorized charges that occurred after the 60-day period and before notice, provided that the card
issuer establishes that the unauthorized charges would not have occurred if the consumer had notified the card issuer within that time.
The General Provisions apply to the following benefit: Credit Card Fraud Protection
Reservation Rewards benefits are subject to the terms and conditions outlined and include certain restrictions, limitations, and exclusions. In the
event of any conflict between the
EOC and the Group Policy, the Group Policy will govern. The Group Policy is on file
at the offices of the
Administrator. The
EOC shall be interpreted and
enforced according to the laws of the state of Delaware.
Cancellation and Non-Renewal:
-
Coverage can be cancelled by Us or Our designated representative for the following reasons:
- Non payment of premium;
- Misrepresentation and Fraud (see below);
-
The Department of Insurance determines that the EOC would result in a violation of their law. If we cancel coverage, the Participating
Organization will send You written notification at least ten (10) days in advance of cancellation for non-payment of premium and at least
sixty (60) days in advance of cancellation for any other reason.
-
Coverage can be cancelled by the Policyholder or Participating Organization at any time. If this happens, the Policyholder or Participating
Organization will send You written notification at least sixty (60) days in advance of the expiration of this coverage. Such notices need not
be given if substantially similar replacement coverage takes effect without interruption and is provided by VSC. Coverage will continue to be
in force for the period for which premium has already been paid to VSC.
- Coverage can be non-renewed by Us. The Policyholder or Participating Organization will send You written notification at least thirty (30) days in advance of the expiration of coverage.
Claims: Benefits payable under the
EOC for any loss will be paid upon receipt
of due proof of loss and all required information necessary to support the claim.
All benefits will be payable to You or, in the case of death, to Your estate. No person or entity other than You shall have any legal or equitable right, remedy
or claim of insurance proceeds or damages under or arising out of this coverage.
Dispute Resolution - Arbitration: The
EOC requires binding arbitration if
there is an unresolved dispute between You and VSC concerning the
EOC. Under this Arbitration provision, You give up
your right to resolve any dispute arising from the
EOC by a judge and/or a jury. You also agree not to participate as
a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In
arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing Your and Our
positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final
and binding and cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, either You or VSC must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the
earlier of the date the loss occurred or the dispute arose. You and VSC will each separately select an arbitrator. The two arbitrators will select a
third arbitrator called an "umpire." Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire
will be shared equally by You and VSC. Unless otherwise agreed to by You and VSC, the arbitration will take place in the county and state in which You
live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration.
The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration under the
EOC. The
laws of the state of Delaware (without giving effect to its conflict of law principles) govern all matters arising out of or relating to the
EOC and all transactions contemplated by the
EOC, including, without
limitation, the validity, interpretation, construction, performance and enforcement of the
EOC.
Legal Actions: No action at law or in equity shall be brought to recover
under the
EOC prior to the expiration of sixty (60) days after proof of loss has been furnished in accordance with
the requirements of this coverage.
Misrepresentation and Fraud: Coverage for You may be cancelled if, whether before or after a loss, You have concealed
or misrepresented any material fact or circumstance concerning this coverage or the subject thereof, or the interest of You therein. Coverage may also be
cancelled if You commit fraud or false swearing in connection with any of the above.
Other Insurance: Coverage is secondary to any other applicable insurance or indemnity available to You. Coverage is
limited to only those amounts not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This Other
Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
Subrogation: If payment is made under the
EOC, We are entitled to recover such amounts from other parties or persons.
You must transfer to Us Your rights to recovery against any other party or person. You must also do everything necessary to secure these rights and must do
nothing that would jeopardize them, or these rights will be recovered from You.
For Montana Residents:
-
The following statement has been added: The provisions of the EOC conform to the minimum requirements of the Montana law and control over any
conflicting statutes of any state in which You reside in, on or after the effective date of this coverage.
The first paragraph of "Dispute Resolution - Arbitration" is replaced with the following: The
EOC requires You and VSC to first use binding arbitration if there is an unresolved dispute between You
and VSC concerning the cost of, lack of, or actual repair or replacement arising from a loss. Under this Arbitration provision, You give up
your right to initially resolve any dispute arising from a loss by a judge and/or a jury. You also agree to first employ arbitration in resolving
the dispute between You and VSC prior to Your participating as a class representative or class member in any class action litigation, any class
arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent,
neutral third party) will give a decision after hearing Your and Our positions. The decision of a majority of the arbitrators will determine the
outcome of the arbitration.
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